This is why I keep begging ProPublica to cover the evidence seen at : http://www.obamaknowsdoctorscrimesendangerlives.blogspot.com

You’ll see Judges’ quotes that prove MetLife and other insurance companies doctors’ are ignoring brain lesions, Multiple Sclerosis, cancer and cardiac conditions of many patients !!

150 million Americans who receive health benefits through their job are at great risk if they file a claim !!

If you also go to the following website you will see how the evidence mentioned above is bullet point one of five different types of insurance where the same deadly crimes are being committed by multiple insurance companies !!

http://www.5typesofdeadlyinsurancecompanycrimes.blogspot.com

God please help something happen to stop the proven fact that numerous insurance company doctors’ are ignoring life threatening medical conditions !!

Pamela Jeter needs to move aggressively into the legal arena if One West initiates foreclosure proceedings.  Servicers are under so much criticism regarding tactics, that they’ll wait for a bit; then jump back on the foreclosure bandwagon.  What servicers fear most are the revelations regarding what went on internally regarding decisions involving modifications versus foreclosure; and that’s the kind of material that can provide enough grist for a discovery request..  There are still lots of maggots under those rocks to make the banks and their cronies quiver in fear.  Then there are the foreclosure mills that provide the shock troops for servicers.  That’s another component of the equation worth investigating in Ms. Jeter’s case

Wow!  I emailed the article yesterday to my “escalation specialist” at OneWest…he emailed me back saying he couldn’t comment…

Good work Pro Publica and good luck to Ms. Jeter. Look’s like George Soros did not like the coverage his investment vehicle One West received from this coverage.

Great!  If only all the banks could be “outed” they’d be running for cover PR-wise.  I hope Ms. Jeter makes out ok, but she should look into The REST Report—determines NPV (net present value)—the banks use it and it stands up in court.  The banks don’t want consumers to know about it, of course, but judges rely on the info in favor of the consumer if the numbers work out.  The banks lie all the time, they have no incentive as the mortgage servicer to help their supposedly appreciated customers (what a load of bull—I used to work for banks as an executive secretary and they all act like “we care about our customers”—sure). 

I talked to several bankruptcy and foreclosure attorney’s and they said bank reps lie under oath everyday in court and the burden is on the consumer to PROVE that they mailed (certified with return receipt signature or Fed Ex/UPS) the documents REQUESTING A LOAN MODIFICATION—the hardship letter. Otherwise, it’s just hearsay. 

Google:  mandelman matters and mortgage mod monster
I’ve learned a lot about loan mod’s, foreclosure info and just how underhanded the banks are.  I heard one major bank is KNOWN for having their fax machine to receive loan mod dog’s hooked up to a SHREDDER!  This is outrageous. These banks should be brought up on criminal charges. So many consumers need to get with it—don’t keep complaining that “I sent them the info 3, 4, 10 times and they keep saying they didn’t get it, or they need it again.”  They’re just jerking you around!  Send it certified mail!

To Barry S.—so sorry for all the trouble you’ve had with the run around with your insurance company, Met Life. 

I can only relate on a claim I made on a negligent contractor’s policy.  I had a certificate of insurance and the contractor being the scumbag that he is, refused to make things right (flooded my house inside with a reroof due to negligence and hiring illegals that were not supervised!  I only learned they were illegals after they were on the job and in the middle of it.  Exactly why we need to pass E-Verify!).  I digress—the insurance company jerked me around for well over a year.  I hired an attorney who was useless (advice: always hire a board certified litigation attorney that does this kind of work on a regular basis; I used our business/r.e. attorney who was clueless).  We finally had to take a partial settlement and pay HALF of it ourselves, about $4k, which is unacceptable.  These insurance companies count on the majority of people just GIVING UP, exactly why people should not.  Keep a log, and call an attorney, sooner, rather than later, and file complaints with the proper gov’t agencies, BBB, etc.  We did all that and still got nowhere.  Good luck to you.  You shouldn’t have to endure this kind of abuse in addition to a cancer diagnosis!

I am so happy for Ms. Jeters!  The follow-up in itself shows that ProPublica truely cares about the outcome of its investigations. I would like to see that All-American Girl-With-Dog photo become the poster-child of change.  Any litgators out there want to take on a good case?  The client doesn’t have much capitol, but this could be a career maker.

Remember now, document EVERYTHING!

What happened / Someone stole your Cardboard box home ? ....lol

The problem: in 2 months she will be back to step 1 and face foreclosure, Ms. Jeters should start to see all legal ways to fight this, HSBC has modified a few Loans and I have proof of that, if she needs it ill be happy to provide a copy of an HSBC permanent Loan Mod (hiding the names for privacy of course)

Right on Propublica!  As usual, Paul you are remarkable and I thank you for everything you do.  Keep you the good work!

@acmod - can you provide a copy of the HSBC permanent mod? I am helping a member at beingmiddleclass.org who has HSBC.  They keep giving her temporary mods. She just received notice that if she does not make up the difference between “trial” payments and regular payments, foreclosure starts.

@Steve, looks like you need to stop hitting the pipe.  Read up.  Foreclosure is a profitable business. 

@April - can you share the cases where the rest report was used?

Good going guys-your article stopped a foreclosure dead in its tracks

now you have 1,000,000 more to go.

Keep up the good work.

maybe its time to focus on the real problem-corporate stealing and the buying of judges/politicians/appointed government officials

Lori , HSBC gives 6 month or 12 month temporary mods, you can renew them a few times and very rarely they give a permanent mod but they do.I ll be happy to provide you a copy of a permanent one, where you want me to send it? by the way I have one with $20,000 principal reduction

Lori, the Rest Report is not magic but it gives you leverage, It worked for me in many cases it proves to the Bank that you do qualify for HAMP, what kind of payment and that you pass the NPV test, with the Rest Report they can’t lie to you that easy cause now you have proof that you do qualify.

i applaud the sucess of your article on foreclosure (e.g. the hemp). 
We have live this drama for three year where the servicer has not give us a modification and has force us into bankrupcy…
We surely hope is a start in helping who can pay the modications.

60 MINUTES | FORECLOSURE FRAUD FEATURED THIS SUNDAY ON 60 MINUTES (CBS teaser video)

cbsnews.com/video/watch/?id=7361457n

Thanks acmod.  Please send copy of agreement to aconsumeradvocate at gmail dot com.  The homeowner I am helping has had several temp mods and simply wants to make it permanent to get on with her life. Her husband is a retired Viet Nam vet and it breaks my heart that someone who fought for this country is now facing losing his home, through no fault of his own.

I have read about the rest report. Since the bank is required to provide
results of NPV test, I am wondering what difference it would be to pay for the rest report (since most facing foreclosure are not in a position to pay for much more than basic necessities) as opposed getting the figures used by the bank, confirming that the figures are incorrect (and they are in most cases) and calculating the risk/reward yourself in a similar “risk report”, i.e. the mod in a box available for free on the internet.

Definitely looking forward to seeing Lisa on 60 minutes Sunday. I wouldn’t miss it.  About time this crisis made it front and center on major news network.

Lori, I’ll send it Monday, In regard to rest report, like I said it gives you leverage, the banks are required to provide results of NPV test, however i seen many times that when I request the results, their calculations are usually wrong because the banks lie (income, value, amount owed, etc) and then I have to disputed it or order a Rest Report, I can only tell you my personal experience and so far I had good results,  it helps me to push back, and like i said they can not lie to me any more because i’m proving to them the client does qualify, Also a rest report will hold in court, but then again I don’t take a case if i don’t see that they qualify for the HAMP in the first place (I always make a pre-qual analysis first) Rest Report is only one way to fight the banks, theres many others depending on the case

Lori, I forgot to mention one more thing in regard to Rest Report, It is exactly the same that the banks run with the treasury department

I couldn’t afford a REST REPORT, but I told my servicer in a letter that I

HAD one that PROVED I qualified for a loan mod…I sent it certified mail, 

and lo behold I get a trial payment plan in the mail soon after…hmmmm…

Forgot to mention that my situation was perfectly in line with the HAMP guidelines, and I had previously been denied because of NPV “issues”...

Paul, I don’t think I told you…we used a contact you provided. Our permanent mod went through with the help of a “counselor”. Basically, what the counselor did was get a copy of everything they sent us with our answers. If there was any question from the mortgage company, the counselor discussed it with them. So, thanks!

Inside Job, Oscar-Winning Documentary, Now Online (Free)      Link :

openculture.com/2011/04/inside_job.html

One West, which bought IndiMac, our mortgage holder, has destroyed our lives.  After 2 years, we finally sold our home last December at a price that would lose us money after paying commissions, legal fees, closing costs, etc. One West, formerly IndiMac, kept stalling the sale of our home in order to foreclose.  THEY WANT TO FORECLOSE.  We have a state appointed attorney who doesn’t work at all on our case, because we’re not paying.  She keeps reminding us when I ask for advice that SHE’S THE LAWYER, AND I’M NOT TO TALK.  So I get very little grown up advice.

IndiMac, now OneWest, finally stalled long enough to put our sale in a short sale status, but has refused to approve the short sale.

Our buyer expected to close on April 1, but that wasn’t possible, so at another of our many court dates on April 1, IndiMac, now OneWest, announced to the judge that it had approved the short sale.  Hours before closing.  But it was too late for the closing, which was then postpone AT OUR COST OF $1500 A DAY, and OneWest said it would give us the exact figures by the end of business that day.

IT DID NOT.

IndiMac has lied to the court at least twice.  We can prove its lies, for the record, these 2 times.  The first time it lied was last April when it told the court that it was about to foreclose, because we did not appear at a scheduled court appearance that month.  WE DID APPEAR AT THAT HEARING.  THEY LIED.  Many things happened at the result of that lie, but IndiMac continued to harass us, and stall the sale of our house and the acceptance of a short sale SIMPLY SO THEY COULD FORECLOSE.

Tomorrow is the newly scheduled closing of our home, and someone has managed to stall the closing until Tuesday.

IT IS MY EDUCATED GUESS THAT INDIMAC NOW ONE WEST IS MANIPULATING THEIR PROVIDING US WITH INFORMATION UNTIL ABOUT 5 MINUTES BEFORE CLOSING SO THAT WE WILL AGREE TO FOREGO THE NEARLY $30,000 IN COMMISSIONS, & OTHER RELATED EXPENSES WHICH WE WILL HAVE TO PAY. 

WE DO NOT HAVE THE MONEY TO PAY THIS, WE HAVE AN INCOMPETENT LAWYER WHO WISHES TO CLOSE NO MATTER WHAT, AND WHEN WE ARE STARVING TO DEATH, WE HOPE THE NEWSPAPERS COVER THIS WHOLE STORY.\

SOMEONE SHOULD BENEFIT FROM IT, just as people might benefit from Pamela Jeter’s story.

We are 73 y/o, I am a terribly competent employee who cannot get a job because of my age, and I’m afraid that society will dance for joy over our deaths.

Betsy Jacobson
Newly relocated to Sandy Hook Ct, where Social Security payments will help to pay our rent, heat & electricity, but food will be extra.

I have just received notification that Pro Publica would not accept my email on what it called a “do not reply” list.  Yet I read the above “comment” printed here.

Huh?

Shall I just give up now?

I guess this was a plea for help, which, of course, is inappropriate on a blog such as this.

I’ve helped (or attempted to) over 25,000 people with Fibromyalgia (FM) for the past 19 years GRATIS, have been an FM activitist and patient advocate, and I guess I’m a bit bitter.

Forgive me.

Betsy Jacobson
(203) 304 9666 (I still have hope)

Betsy, your plea for help is not inappropriate.  Please send me an email at .(JavaScript must be enabled to view this email address) and I will help you as much as I can.  I have a forum, http://www.beingmiddleclass.org and have been able to help people with the foreclosure nightmare. 

Please contact me.  Your story is heartbreaking.  The first call I will make is to your lawyer and tell him/her to SHUT UP while I remind it of the code of ethics and the oath the swore when they became an attorney.

I’m not saying I can help but I will do everything I can and so will the members of the forum.

Bless you.  And God help the millions of Americans who are facing foreclosure and a failed economy courtesy of banksters who are inbed with the government.

Lori Kelly, beingmiddleclass.org

Betsy, Please do what Lori is telling you, she can help, Can you tell me what state you are? I may be able to help you (pro bono)

Thanks acmod!

I don’t charge anyone anything.  You can see for yourself that beingmiddleclass.org is not a scam.  I started it when I was going through the mod nightmare and realized how many people were in the same situation.

acmod, I think you joined the forum, right?  We could sure use your help and the help of anyone else who can volunteer.  I am overwhelmed and there is not enough time in the day to help everyone.

It all comes back to this ; IF you do NOT make your mortgage payments , you lose your house. Simple. You want to keep living in the House that you are , Basically, Renting from the bank, MAKE THE PAYNENTS ! <
  Just because you put down a payment, and sign a loan, this does NOT mean you now Own the House. If you but a cra, and get behind in payments , they re - possess your Car , simple, right ? Works the same way with your house. You sign a contract, called , a Loan agreement when you ” buy ” a house. READ IT ...
  Bottom line; get two jobs, three jobs, whatever it takes , to mak ethe payments, or, be prepared to lose it . Perhaps, in the long run, you’d be better off NOT trying to pay a big mortgage; perhaps a cheap HUD apartment might be better for you .

Stevie, let me get you inform because you seem to me that you are not inform, Just watch this link it was on the air today

cbsnews.com/8301-504803_162-20049744-10391709.html?tag=contentBody;listingLeadStories

Stevie, let me get you inform because it seems to me that you are not inform, Just watch this link it was on the air today

cbsnews.com/8301-504803_162-20049744-10391709.html?tag=contentBody;listingLeadStories

Stevie, I guess I was right you are ignorant, if you think that what the banks did does not affect your five bedroom Colonial, with a pool. your are mistaken, why don’t you go and check how much you have lost in equity wealth in your home after paying and paying for 27 years? I think your are one of the bigger suckers. After all the money and interest you paid to the bank for so many years, just to see your house come down in value at the end of the game, and you though you were the winer…...BTW you may not even know who owns your mortgage after you finish paying it…good luck with that !  Like Charlie Sheen said, wining !

Thank you everyone who replied.  I’m only on my 2nd email. I cannot reply to your emails without getting a returned MailerDaemon message in return so I’ll have to answer here.

We just moved from NYState to CT, so the property in question is in Brewster, NY.

Stevie, dear, Many of us did exactly as you did and planned for your future as you did, and horrendous things happened.  My husband’s best friend, the stockbroker, whom he trusted for many years, for instance, talked him into 2 investments that wiped out our finances and didn’t give a damn about the results. 

The bank should not have approved the loan, in the first place, and thousands of lenders have done the same thing.

We also give a county appointed attorney who didn’t feel like working and didn’t, and we had not other choice.

Our closing lawyer, not the brighest star in the galazy and a mean son of a gun has mixed things up, didn’t understand things, etc.

How wonderful if would be if we were as wonderful and lucky as you.

Forgive me for having stupidly answered a hate email.  If I had known that Anti-semitism was a part of this, I’d have kept my mouth shut.  I don’t usually stoop to that level.

Why don’t you all stop hurling insults at each other.  I’m sure some were leveled against me, but I’m deleting them all.

The truth is that Lori of beingmiddleclass.org and a .(JavaScript must be enabled to view this email address) has helped me tremendously.  She is bright, knowledgeable and nice, and I owe ProPublica for having “met” her.

Thank you, Lori, and thank you ProPublica.

With all the pervasive fraud going on, I’m feeling like I shouldn’t even bother paying my trial mod!  What with clouded title fraud, MERS fraud, and all the other fraud—-did I say fraud enough?—-am I throwing money where it doesn’t even matter????

The 60 minutes show was mentioned on KFI radio this morning…Charles Payne was saying that it could be 60 minutes running interference for the White House so that “stuff” relating to mortgage reductions and mortgage mod “pressure” on the Banksters could move forward…

Steve:  I agree with you somewhat….but what you haven’t factored in is people losing their jobs in this economy….the same people who have faithfully paid their mortgages on time for years and years.  Additionally, there are others who were hit with large medical bills, unforeseen and unplanned.  Yes, I agree, people should have savings put by and people should pay cash, but not EVERYONE can do that like you.  You’re one of the lucky ones, but why discount those people who have had cataclysmic crises in their lives the past couple of years due to the economy and are stuck.  Many of them, I’m sure DID have savings, but that goes very quickly when you lose your job and can’t find another one.  Jobs are NOT easy to find in this economy, and not EVERYONE can own their own business.  It it were that easy, don’t you think we’d ALL do it?  Trust me, I’d much rather own my own business than work for the MAN, but I can’t afford that (even with savings).  You need to have a little compassion for those individuals who are having problems….I’m sure they’d ALL like to be in your shoes, but they are unable at this time.

How sad that the comments on this story are so polluted.  Trying to find information to help others and have to wade through BS to find it.

I feel bad for this Steve guy because he has no idea of the fraud that has been set in motion decades ago.  In cases like this, I find it best to ignore instigators who have no productive information to offer.  Surely time can be better spend doing something worthwhile.

Fraud is, indeed, what all this is about.  And there is so much sadness and tragedy that abound because of it.

One of my favorite bits of bank dishonesty is this one.  I’ve known for months that banks LOVE doing foreclosures.  The lawyers have always disagreed with me.  That’s only a rumor they say.  I just found out this morning from a ProPublica brilliant person that, indeed, foreclosure is something the banks love.

Why?

They insure themselves in very sophisticated ways against loss and hope it happens, and in many cases, ours being one, they work very hard to make it happen, because they make bundles of money this way.

Our bank has done so many bizarre things, that if I weren’t afraid of being sued by it, I’d write a book.  I’m sure people would love to be co-authors.  Their lies IN COURT lone are interesting stories.

This should all be over tomorrow at this hour, and I will then have time to start looking for a job.

Betsy….go ahead and write that book!  Remember, we live in the land of free speech, and they can’t do a thing against you for telling the truth!!  I’d love to read it, and I’ll be the first one on your mailing list should you decide to do this!!  You go girl!!

Good luck on the job hunting….I thank God that I have a job; but, then again, I work for a company that is family owned by a family in Germany, and it’s a very big company.  We don’t worry about shareholders, etc., and our products are well known and are purchased worldwide.  Hang in there, okay, I’ll be praying for you!!

How dear you are, Didi. Listen, I spend my life finding patient recommended doctors for patients in need of finding docs who won’t be mean to them, just because they have Fibromyalgia.  I’ve been doing this (gratis) for over 19 years, and I have gazillions of stories.  So I wrote them into a book..I went to 2 reputable publishing firms whom I knew, and they wouldn’t touch them with a 10 foot pole.  Everyone LOVES doctors, they said,  They’d never publish things negative about them.  HAH!

Does your firm have office in or near Danbury, CT or the White Plains, NY area? 

Anyone - I’m a very dedicated worker with an old fashioned work ethic.  Know anyone hiring?  Please.

So banks LOVE to foreclose on people huh ? .. Why would they like that ?  You say that they lend money to people to buy expensive homes, and that people lose all they put into their homes, because the value went down , years afterwards, Now, the bank forecloses, and takes the property, as they are entitled to do , because they’d rather have a devalued piece of property, rather than the money stream coming in from a home owner payment. In other words, lend $300, 000 , have someone pay back $20,000 , then take it back, after its only worth 150, 000
Hum, that makes sense, in your little peanut mind. $200,000 equals $20, 000 in payments, Plus $150,000 in devaluation.  Hum, that just doesn’t add up ...

  Again, I see that the banks are criminals. Why are you dealing with them then ? ... The better question is, why are the banks dealing with you dead beats ? ...

one of the big 3 banks dosn"t even need to hook up its fax machine to a shredder it just tells its modification dept. to throw away the applications after 30 days and tell the applicant to resubmit as they never received the documents. fact!

PLEASE everyone just IGNORE Steve…

The most important thing we can learn from all this is INDEPENDENT INVESTIGATION OF TRUTH…

We have to diligently look for the truth with regards to EVERYTHING…because people and institutions who used to be trustworthy no longer are…

So, everybody hang in there—-the truth will set you free! 

Corny, I know…but it’s true!

The banksters are debt collectors—-they do not own your loan.

Most likely, your loan was securitized—it was bundled up with thousands of other loans and sold on Wall Street. 

The investors who now own your loan could be 1 or 5,000 different people or companies.

When the loans are bundled up and sold on Wall Street, they are put into a trust. 

The trusts (loans) are insured against loss. 

Why?  Because the banksters knew that a lot of the loans they bundled up were predatory loans and would fail, they knew there was no way a homeowner could pay back a loan, especially when the adjustable rate mortgage increased the monthly payments. 

Take it a step further, banksters betted against the trusts because they knew the loans in the trust were shit and would fail.

So if you default, there is insurance that covers your loan amount AND the bankster gets your house back to be sold at foreclosure.

You miss a payment and you’re in default.

The bankster/debt collector gets to add all kinds of fees to your loan. Late fees, inspection fees, pre-foreclosure fees, process server fees, forced place insurance (a biggie), BS fees, a few more fees, and little more fees. 

This plan was orchestrated with very creative people well over a decade ago.

If you have not watched Inside Job, watch it.  It explains this Great American Heist in terms that are easy to understand it.  Be ready to be very angry when you watch it.  I know I was.

Hey, what happened to my post?

Here it is again. 

The banksters are debt collectors—-they do not own your loan.

Most likely, your loan was securitized—it was bundled up with thousands of other loans and sold on Wall Street. 

The investors who now own your loan could be 1 or 5,000 different people or companies.

When the loans are bundled up and sold on Wall Street, they are put into a trust. 

The trusts (loans) are insured against loss. 

Why?  Because the banksters knew that a lot of the loans they bundled up were predatory loans and would fail, they knew there was no way a homeowner could pay back a loan, especially when the adjustable rate mortgage increased the monthly payments. 

Take it a step further, banksters betted against the trusts because they knew the loans in the trust were shit and would fail.

So if you default, there is insurance that covers your loan amount AND the bankster gets your house back to be sold at foreclosure.

You miss a payment and you’re in default.

The bankster/debt collector gets to add all kinds of fees to your loan. Late fees, inspection fees, pre-foreclosure fees, process server fees, forced place insurance (a biggie), BS fees, a few more fees, and little more fees. 

This plan was orchestrated with very creative people well over a decade ago.

If you have not watched Inside Job, watch it.  It explains this Great American Heist in terms that are easy to understand it.  Be ready to be very angry when you watch it.  I know I was.

So, Obama is going to raise 1 billion dollars for his campaign, and none of

these characters from “Inside Job” are in jail?? AND they got bailed out??

Hmmmmm….wonder where exactly he’s getting that billion…?

The whole foreclosure mess is a FRAUD from the beginning of the loans, to the appraisals, to the predatory practices of the lenders, to the jacked-up interest rates when home owners qualified for lower rates, to the illegal assignments, to the securitizations, to the servicers and fraudulent fees, to the process server fraud, to the MERS fraud, and to the assignments and documents fraud. Forged notes, lost notes, intentiona­l destructio­n of notes, unauthoriz­ed people signing mortgage assignment­s or endorsing notes, missing documentat­ion, fraudulent­ly fabricated documents, different plaintiffs foreclosin­g on the same property, plaintiffs who do not exist, illegally breaking in to homes and the inability or refusal to provide proof of purchase and/or ownership of the promissory notes.FORG­ERY, FILING FALSE DOCUMENTS INTO GOVERNMENT RECORDS, EXTORTION, ABUSE OF PROCESS, FRAUD ON THE COURTS, and countless others of CRIMINAL VIOLATIONS
Record foreclosur­e fraud =check,
Record mortgage servicing fraud =check
Record land record fraud =check
Record foreclosur­e fraud upon courts =check
Record violations of constituti­onal property and due process rights=che­ck
Record impact from proposed draconian budget cuts do to foreclosur­es=check”

Again .. Did anyone HOLD A GUN TO ANYONE"S HEAD< AND FORCE THEM TO SIGN A LOAN ????  No .. People are Stupid.. They sign loans they can’t pay , and they know it, as all of you do . You KNOW that these fools are Victims.. victims of their own greed , and stupidity ...
    The banks set this all up , etc. How stupid you sound.. Can’t you hear yourself ? ....
  My GOD, use your damn head ! .... The Banking / lending industry is one of the Most Highly regulated industries in the country . Probably the Market , and the Nuclear industry are more watched over more . You really believe that they committed Criminal Acts ... Well, that would have to mean that the entire government is in on it ... ( And, i ‘m sure, that in your Head , they are , lol )
  Deflecting inquires , and pointing fingers.. non of these things change the fact that signed thousands of loan Contracts; contracts that are Legally binding.  The says , YOU DON"T PAY FOR YOUR HOUSE , THE BANK CAN TAKE IT . Period .. end of story ....
    What you people are actually looking for is compassion from the banks . This you will never see. They are a Business; a corporation . They are NOT in the business of allowing people to renege on contracts,. They have a responsibility to the people who deposit money into their banks to protect their assets, which they do fairly well.
  BUT, The free ride ends at the soup kitchen ....

                    : Niff Said ! ” ...